| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $83K | $83K | 3.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $509 | $509 | 0.41% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 9.87% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 9.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES 785439 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $421 | — | $421 | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $345 | — | $345 | 10.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 200 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $125K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 134 | $19K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 203 | $17K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 212 | $3K |
| Other(5 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 222 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.